The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
A convertible term life insurance policy can be converted into a permanent life policy at some point in the future without requiring you to pass a health screening exam. A convertible term policy is generally more expensive than a regular term policy from the same insurance provider.